The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,182
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$195/mo
Today · 4.125%
HK$6,570
baseline
▲ 0.50% · 4.625%
HK$6,970
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,140/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,878
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,062
−HK$187/mo
Today · 4.125%
HK$7,249
baseline
▲ 0.50% · 4.625%
HK$7,632
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,498/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,419
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$234/mo
Today · 4.125%
HK$7,884
baseline
▲ 0.50% · 4.625%
HK$8,364
+HK$480/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$15,768/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,253
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$224/mo
Today · 4.125%
HK$8,699
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$459/mo
Deposit HK$1.08M · loan HK$1.63M · min. income ≈ HK$17,398/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,655
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$273/mo
Today · 4.125%
HK$9,198
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$560/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$18,396/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,629
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$262/mo
Today · 4.125%
HK$10,149
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$535/mo
Deposit HK$813K · loan HK$1.90M · min. income ≈ HK$20,298/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,128
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$352/mo
Today · 4.125%
HK$11,826
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$720/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,652/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,380
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$337/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$688/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,098/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).